Table of Contents
SIP Vs FD
Which is a Better Investment Option?
Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.
What is a Systematic Investment Plan or SIP?
Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.
People can start their SIP investment with the amount as low as INR 500.
What is a Fixed Deposit or FD?
Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.
Which One to Choose?
Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.
Minimum Investment
The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.
Tenure
FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.
Returns
The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates Range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the Underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.
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Risk Appetite
The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.
Liquidity
The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of Debt fund, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.
Taxation
The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.
For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term Capital Gain which is charged at a Flat rate of 15% irrespective of the individual’s tax slab.
Characteristics
SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.
1. Rupee Cost Averaging
In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.
2. Power of Compounding
SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.
3. Disciplined Savings Habit
SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.
The table given below summarizes the differences between SIP and Fixed Deposits.
| Parameters | SIP | Fixed Deposits |
|---|---|---|
| Returns | Varies as per the Fund’s performance | Predetermined |
| Minimum Investment | Starts from INR 500 | Ranges between INR 1,000 – 10,000 |
| Tenure | Generally used for long-term | Both Short and Long-term tenure |
| Risk | High | Low |
| Liquidity | High | Low |
| Taxation | Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed | Taxed as per individual’s slab rates |
| Features | Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit | Power of Compounding |
Best SIP to Invest for FY 24 - 25
The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized. IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on The Scheme seeks to achieve capital appreciation by investing in companies engaged directly or indirectly in infrastructure related activities. Franklin Build India Fund is a Equity - Sectoral fund was launched on 4 Sep 09. It is a fund with High risk and has given a Below is the key information for Franklin Build India Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Multicap 35 Fund) The investment objective of the Scheme is to achieve long term capital appreciation by primarily investing in a maximum of 35 equity & equity related instruments across sectors and market-capitalization levels.However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Multicap 35 Fund is a Equity - Multi Cap fund was launched on 28 Apr 14. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Multicap 35 Fund Returns up to 1 year are on To generate long-term capital appreciation from diversified portfolio of predominantly equity and equity related securities, in the Indian markets with higher focus on undervalued securities. The Scheme could also additionally invest in Foreign Securities in international markets. L&T India Value Fund is a Equity - Value fund was launched on 8 Jan 10. It is a fund with Moderately High risk and has given a Below is the key information for L&T India Value Fund Returns up to 1 year are on To provide reasonable and regular income and/ or possible capital appreciation to its Unitholder. Tata Equity PE Fund is a Equity - Value fund was launched on 29 Jun 04. It is a fund with Moderately High risk and has given a Below is the key information for Tata Equity PE Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) IDFC Infrastructure Fund Growth ₹45.419
↑ 0.32 ₹1,043 100 15.8 38 79.2 36.1 24.8 50.3 Franklin Build India Fund Growth ₹125.305
↑ 1.83 ₹2,191 500 11.2 33.8 75 37.6 24.2 51.1 Motilal Oswal Multicap 35 Fund Growth ₹49.2326
↑ 0.22 ₹9,660 500 8.1 25.7 55.4 17 13.9 31 L&T India Value Fund Growth ₹93.3098
↑ 0.90 ₹11,431 500 6.7 24.3 53.7 27.4 21.3 39.4 Tata Equity PE Fund Growth ₹313.657
↑ 2.56 ₹7,301 150 7.7 25.8 50 24.9 18.6 37 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Apr 24 1. IDFC Infrastructure Fund
CAGR/Annualized return of 12.2% since its launch. Ranked 1 in Sectoral category. Return for 2023 was 50.3% , 2022 was 1.7% and 2021 was 64.8% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (22 Apr 24) ₹45.419 ↑ 0.32 (0.70 %) Net Assets (Cr) ₹1,043 on 31 Mar 24 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.44 Sharpe Ratio 3.82 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹6,016 31 Mar 21 ₹12,123 31 Mar 22 ₹14,948 31 Mar 23 ₹16,437 31 Mar 24 ₹28,313 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 24 Duration Returns 1 Month 7.5% 3 Month 15.8% 6 Month 38% 1 Year 79.2% 3 Year 36.1% 5 Year 24.8% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 50.3% 2022 1.7% 2021 64.8% 2020 6.3% 2019 -5.3% 2018 -25.9% 2017 58.7% 2016 10.7% 2015 -0.2% 2014 43.2% Fund Manager information for IDFC Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 0.19 Yr. Ritika Behera 7 Oct 23 0.48 Yr. Data below for IDFC Infrastructure Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Industrials 53.38% Basic Materials 15.57% Utility 10.81% Consumer Cyclical 5.48% Communication Services 3.56% Technology 2.75% Health Care 1.85% Financial Services 1.1% Asset Allocation
Asset Class Value Cash 5.5% Equity 94.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT6% ₹57 Cr 163,980
↓ -75,139 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT5% ₹51 Cr 431,238 Torrent Power Ltd (Utilities)
Equity, Since 31 Mar 18 | 5327795% ₹48 Cr 442,900 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | ULTRACEMCO4% ₹44 Cr 44,530
↓ -7,257 Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS4% ₹43 Cr 466,186 Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL4% ₹42 Cr 2,028,839
↓ -635,761 JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 17 | JKCEMENT4% ₹41 Cr 91,403
↓ -5,477 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA3% ₹30 Cr 1,619,950 Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 5322863% ₹28 Cr 366,666 ITD Cementation India Ltd (Industrials)
Equity, Since 30 Jun 15 | 5094963% ₹28 Cr 843,106
↓ -128,598 2. Franklin Build India Fund
CAGR/Annualized return of 18.9% since its launch. Ranked 4 in Sectoral category. Return for 2023 was 51.1% , 2022 was 11.2% and 2021 was 45.9% . Franklin Build India Fund
Growth Launch Date 4 Sep 09 NAV (22 Apr 24) ₹125.305 ↑ 1.83 (1.48 %) Net Assets (Cr) ₹2,191 on 31 Mar 24 Category Equity - Sectoral AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 2.29 Sharpe Ratio 3.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹6,452 31 Mar 21 ₹11,641 31 Mar 22 ₹14,636 31 Mar 23 ₹16,473 31 Mar 24 ₹28,195 Returns for Franklin Build India Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 24 Duration Returns 1 Month 5.1% 3 Month 11.2% 6 Month 33.8% 1 Year 75% 3 Year 37.6% 5 Year 24.2% 10 Year 15 Year Since launch 18.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 51.1% 2022 11.2% 2021 45.9% 2020 5.4% 2019 6% 2018 -10.7% 2017 43.3% 2016 8.4% 2015 2.1% 2014 93.8% Fund Manager information for Franklin Build India Fund
Name Since Tenure Ajay Argal 18 Oct 21 2.45 Yr. Kiran Sebastian 7 Feb 22 2.15 Yr. Sandeep Manam 18 Oct 21 2.45 Yr. Data below for Franklin Build India Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Industrials 40.91% Utility 14.02% Financial Services 11.64% Energy 10.33% Basic Materials 5.39% Communication Services 4.95% Consumer Cyclical 4.22% Real Estate 3.57% Asset Allocation
Asset Class Value Cash 4.97% Equity 95.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 20 | LT10% ₹209 Cr 600,000
↑ 86,789 NTPC Ltd (Utilities)
Equity, Since 30 Nov 16 | 5325557% ₹154 Cr 4,600,000 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 30 Jun 19 | 5003126% ₹127 Cr 4,800,000 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 21 | 5328985% ₹116 Cr 4,100,000 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 30 Nov 21 | KIRLOSENG5% ₹102 Cr 1,119,847 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 21 | RELIANCE4% ₹95 Cr 325,000
↑ 31,976 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 12 | ICICIBANK4% ₹84 Cr 800,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 09 | BHARTIARTL4% ₹80 Cr 710,000 Sobha Ltd (Real Estate)
Equity, Since 31 Aug 17 | SOBHA4% ₹77 Cr 490,000 KEI Industries Ltd (Industrials)
Equity, Since 31 Dec 15 | KEI3% ₹74 Cr 229,407 3. Motilal Oswal Multicap 35 Fund
CAGR/Annualized return of 17.3% since its launch. Ranked 5 in Multi Cap category. Return for 2023 was 31% , 2022 was -3% and 2021 was 15.3% . Motilal Oswal Multicap 35 Fund
Growth Launch Date 28 Apr 14 NAV (22 Apr 24) ₹49.2326 ↑ 0.22 (0.45 %) Net Assets (Cr) ₹9,660 on 31 Mar 24 Category Equity - Multi Cap AMC Motilal Oswal Asset Management Co. Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.41 Sharpe Ratio 5.58 Information Ratio -0.56 Alpha Ratio 24.89 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹7,501 31 Mar 21 ₹12,129 31 Mar 22 ₹12,417 31 Mar 23 ₹12,009 31 Mar 24 ₹18,543 Returns for Motilal Oswal Multicap 35 Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 24 Duration Returns 1 Month 4.7% 3 Month 8.1% 6 Month 25.7% 1 Year 55.4% 3 Year 17% 5 Year 13.9% 10 Year 15 Year Since launch 17.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 31% 2022 -3% 2021 15.3% 2020 10.3% 2019 7.9% 2018 -7.8% 2017 43.1% 2016 8.5% 2015 14.6% 2014 Fund Manager information for Motilal Oswal Multicap 35 Fund
Name Since Tenure Niket Shah 1 Jul 22 1.75 Yr. Ankush Sood 25 Aug 21 2.6 Yr. Santosh Singh 1 Aug 23 0.67 Yr. Rakesh Shetty 22 Nov 22 1.36 Yr. Data below for Motilal Oswal Multicap 35 Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Consumer Cyclical 23.78% Financial Services 22.14% Industrials 20.31% Technology 16.88% Real Estate 3.1% Basic Materials 2.35% Health Care 0.36% Asset Allocation
Asset Class Value Cash 11.09% Equity 88.91% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Jul 23 | 54394012% ₹1,163 Cr 37,500,000
↓ -393,057 Persistent Systems Ltd (Technology)
Equity, Since 31 Mar 23 | PERSISTENT10% ₹903 Cr 1,045,911
↓ -4,069 Tube Investments of India Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | TIINDIA9% ₹802 Cr 2,299,657
↑ 24,657 Coforge Ltd (Technology)
Equity, Since 31 May 23 | COFORGE7% ₹688 Cr 1,050,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 23 | KALYANKJIL6% ₹554 Cr 13,947,965
↑ 11,947,965 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Apr 23 | 5433205% ₹496 Cr 30,000,000
↓ -15,000,000 Polycab India Ltd (Industrials)
Equity, Since 31 Jan 24 | POLYCAB5% ₹475 Cr 1,000,000 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 31 Mar 23 | CHOLAFIN4% ₹408 Cr 3,750,000
↓ -2,250,000 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 21 | ICICIBANK3% ₹316 Cr 3,000,000
↓ -2,000,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 21 | LT3% ₹296 Cr 850,000 4. L&T India Value Fund
CAGR/Annualized return of 16.9% since its launch. Ranked 4 in Value category. Return for 2023 was 39.4% , 2022 was 5.2% and 2021 was 40.3% . L&T India Value Fund
Growth Launch Date 8 Jan 10 NAV (22 Apr 24) ₹93.3098 ↑ 0.90 (0.98 %) Net Assets (Cr) ₹11,431 on 31 Mar 24 Category Equity - Value AMC L&T Investment Management Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.84 Sharpe Ratio 3.3 Information Ratio 1.29 Alpha Ratio 11.5 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹6,851 31 Mar 21 ₹12,635 31 Mar 22 ₹15,958 31 Mar 23 ₹16,751 31 Mar 24 ₹25,315 Returns for L&T India Value Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 24 Duration Returns 1 Month 3.2% 3 Month 6.7% 6 Month 24.3% 1 Year 53.7% 3 Year 27.4% 5 Year 21.3% 10 Year 15 Year Since launch 16.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 39.4% 2022 5.2% 2021 40.3% 2020 14.6% 2019 4.6% 2018 -11.4% 2017 41.3% 2016 8.1% 2015 12.9% 2014 74.1% Fund Manager information for L&T India Value Fund
Name Since Tenure Venugopal Manghat 24 Nov 12 11.36 Yr. Gautam Bhupal 1 Oct 23 0.5 Yr. Sonal Gupta 1 Oct 23 0.5 Yr. Data below for L&T India Value Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 26.98% Industrials 16.2% Basic Materials 15.52% Technology 10.71% Consumer Cyclical 8.78% Real Estate 5.06% Utility 4.4% Energy 3.59% Consumer Defensive 3.31% Health Care 2.68% Communication Services 1.64% Asset Allocation
Asset Class Value Cash 1.12% Equity 98.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325554% ₹507 Cr 15,121,100
↓ -1,699,900 Jindal Stainless Ltd (Basic Materials)
Equity, Since 31 Jul 21 | JSL4% ₹473 Cr 7,379,629 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 11 | ICICIBANK4% ₹461 Cr 4,382,100 State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN4% ₹431 Cr 5,766,900 Canara Bank (Financial Services)
Equity, Since 31 Jan 22 | 5324833% ₹326 Cr 5,780,094 Indian Bank (Financial Services)
Equity, Since 31 Oct 21 | 5328143% ₹323 Cr 6,147,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Mar 17 | SUNPHARMA3% ₹310 Cr 1,962,700 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Sep 23 | MCX3% ₹301 Cr 798,650 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 15 | RELIANCE3% ₹292 Cr 998,200 Mahindra & Mahindra Ltd (Consumer Cyclical)
Equity, Since 31 Jul 20 | M&M2% ₹288 Cr 1,489,400 5. Tata Equity PE Fund
CAGR/Annualized return of 19% since its launch. Ranked 7 in Value category. Return for 2023 was 37% , 2022 was 5.9% and 2021 was 28% . Tata Equity PE Fund
Growth Launch Date 29 Jun 04 NAV (22 Apr 24) ₹313.657 ↑ 2.56 (0.82 %) Net Assets (Cr) ₹7,301 on 31 Mar 24 Category Equity - Value AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.72 Sharpe Ratio 2.96 Information Ratio 0.98 Alpha Ratio 3.84 Min Investment 5,000 Min SIP Investment 150 Exit Load 0-18 Months (1%),18 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Mar 19 ₹10,000 31 Mar 20 ₹7,262 31 Mar 21 ₹12,138 31 Mar 22 ₹14,431 31 Mar 23 ₹15,093 31 Mar 24 ₹22,310 Returns for Tata Equity PE Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Apr 24 Duration Returns 1 Month 5.2% 3 Month 7.7% 6 Month 25.8% 1 Year 50% 3 Year 24.9% 5 Year 18.6% 10 Year 15 Year Since launch 19% Historical performance (Yearly) on absolute basis
Year Returns 2023 37% 2022 5.9% 2021 28% 2020 12.5% 2019 5.3% 2018 -7.1% 2017 39.4% 2016 16.2% 2015 0.3% 2014 69.5% Fund Manager information for Tata Equity PE Fund
Name Since Tenure Sonam Udasi 1 Apr 16 8.01 Yr. Amey Sathe 18 Jun 18 5.79 Yr. Data below for Tata Equity PE Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 29.74% Consumer Cyclical 14.89% Energy 13.87% Industrials 8.59% Basic Materials 7.34% Utility 6.6% Consumer Defensive 6.54% Technology 5.7% Health Care 2.31% Communication Services 1.65% Asset Allocation
Asset Class Value Cash 2.78% Equity 97.22% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | HDFCBANK6% ₹469 Cr 3,339,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Dec 23 | 5005476% ₹445 Cr 7,370,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Dec 21 | HAL4% ₹300 Cr 974,000
↓ -30,000 Coal India Ltd (Energy)
Equity, Since 31 Mar 22 | COALINDIA4% ₹298 Cr 6,818,500 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK4% ₹291 Cr 1,723,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325554% ₹289 Cr 8,615,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | ICICIBANK4% ₹284 Cr 2,700,000 Wipro Ltd (Technology)
Equity, Since 31 Dec 23 | 5076854% ₹280 Cr 5,400,000 Hero MotoCorp Ltd (Consumer Cyclical)
Equity, Since 31 Jan 22 | HEROMOTOCO4% ₹271 Cr 611,855
↓ -126,000 ITC Ltd (Consumer Defensive)
Equity, Since 31 Jul 18 | ITC4% ₹256 Cr 6,310,000
↓ -1,250,000
SIP Return Calculator
The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.
FD Calculator
The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.
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Conclusion: SIP or FD
To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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